Apple Pay is a secure and easy-to-use mobile payment service that can be used to pay in stores, in app and online, just look for the Contactless or Apple Pay symbol. It enables the use of eligible cards through compatible Apple devices by leveraging existing Near Field Communication (NFC) technology to make mobile payments. All compatible devices with Apple Pay are Near Field Communication (NFC) enabled.
You can use Apple Pay with your:
You can get set up on Apple Pay with your Visa Debit Card directly through our app
You can also get set up on Apple Pay with your Visa Debit, Credit Card and Business Debit Card directly through the Apple Wallet on your device
As a security measure, we send a one-time passcode to you by text message. You will verify your identity by entering this code in the appropriate field. In the case of Credit Cards, this code will only be sent to the Primary card holder.
You can complete it when adding your card or you can return to the Wallet to complete your set up by
Yes, you can register multiple Visa Debit or Credit Cards and simply chose which one you would like to pay with at the point of purchase. Don’t forget if you get a new card, you will need to register it. If you have replaced your card as lost/stolen you don’t need to take any action if you have already added the previous card to the wallet. Your replacement card will be automatically added to the wallet.
The card image may not be an exact match but this will not impact functionality.
While there are no set fees for using Apple Pay, standard fees and charges associated with your Visa Debit and Credit Card will still apply. Please see our Terms & Conditions and Personal & Business banking charges booklet for more information.
Unlike contactless, you can make payments in excess of €50 once you have an available balance. However, not every merchant can support transactions of this value. You will not be asked to input your pin for Apple Pay payments. Please note that the daily Current Account transaction limits of €2,500 will apply.
Yes. When you shop at a merchant, Apple Pay doesn't send your actual Visa debit or Credit card number with your payment. Instead a virtual account number is used to represent your account information - so your card details stay safe. You also need to authorise every transaction by Touch ID/ Face ID or your passcode.
You will need to report your card as lost/stolen the same way you would for your existing physical card, please see here for further details.
Debit and Credit cards; once reported as lost or stolen, your card details will be automatically updated and you can continue to use Apple Pay on your device whilst your new card is sent to you. Your physical plastic card will remain inactive and must be activated by you; this ensures security is maintained throughout.
If your Debit Card is replaced as damaged or due to natural expiry, you will need to allow up to 2 business days for it to update in your wallet. You will be unable to use Apple Pay during this period. Credit Cards will be updated automatically on the same day.
You can go to iCloud.com/find to suspend or remove the ability to pay with Apple Pay on that device. Once you do this, you will no longer to use Apple Pay for payments but your Visa Debit/Credit card will still work as normal.
Yes, there are two ways you can do this
There are many ways to remove your card from Apple Pay, please see the below options;
From our app
From ‘Find my iPhone’ through iCloud
No, your phone case won’t impact Apple Payments. All you need to do is unlock your phone and scan your device.
There no difference between Apple Pay and other payment methods, you should consult with the retailer directly to refund a transaction.
No, you do not need Mobile data or Wi-Fi connection to make payments. However, you will need mobile data or Wi-Fi to set up a card on the Wallet and to receive notifications.
You will be able to view your transactions through Open24 or on your Statements. Alternatively, when you open the card in the Wallet, you see your latest transaction. Within the transactions tab you will see your last ten transactions completed through the mobile wallet. Transaction history is not available on the Apple Watch.
You can choose which card to use when you’re about to pay – just open the Wallet app first and select the card you want to use.
On your Apple Watch, double click the side button, swipe left or right to select a card and present the watch to the contactless reader.
For in-app purchases, select the Apple Pay logo, then 'Cards and billing’ to choose a card.
Below are some helpful tips to keep your device and card secure
First make sure you have available funds to meet the transaction and that the merchant can support Apple Pay (especially for limits over €50). Check your device setting to make sure that you have not deleted your wallet details. For anything to do with your cards or accounts, you can contact the bank. For anything related to the Apple Pay service, please get in touch with the digital wallet provider.